Charlton County, Georgia home prices
Typical home $208,451 · +1.4% in a year · property tax 0.76%
The typical home in Charlton County is worth $208,451, 37% less than the Georgia typical home ($329,115). Values changed +1.4% in the past year and +31.7% over five years. Homeowners here pay a median 0.76% of their home's value in property tax each year ($1,588 on the typical home), versus 0.77% statewide.
Mortgage on the typical Charlton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $41,690 | $166,761 | $1,122 | $0 | $237 | $1,358 | $58,200 |
| 10% down | $20,845 | $187,606 | $1,262 | $78 | $237 | $1,577 | $67,600 |
| 5% down | $10,423 | $198,028 | $1,332 | $83 | $237 | $1,651 | $70,800 |
| 3.5% down (FHA) | $7,296 | $204,675 | $1,377 | $92 | $237 | $1,706 | $73,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.76% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Georgia.
Georgia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Wayne County | $209,466 | +6.1% | 0.78% |
| Hancock County | $209,661 | +1.0% | 1.09% |
| Pierce County | $206,752 | +4.8% | 0.83% |
| Crawford County | $206,348 | +7.9% | 0.87% |
| Tift County | $206,321 | +3.7% | 0.86% |
| Meriwether County | $215,610 | +4.4% | 0.86% |
| Lanier County | $217,489 | +4.0% | 1% |
| Grady County | $197,927 | +9.2% | 0.91% |
| McDuffie County | $197,177 | +4.0% | 0.82% |
| Candler County | $221,592 | +7.1% | 1.08% |
Frequently asked questions
What is the average home price in Charlton County, GA?
The typical home value in Charlton County is $208,451 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Charlton County?
About $58,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Charlton County?
The median effective rate is 0.76% of home value a year (Census ACS 2024 5-year estimates).